EARLY ACCESS · Dated provider information. Confirm current terms with the issuer.

Untangling your shortlist…

Home / Banking / Savings accounts

Savings, untangled

High-yield savings accounts, side by side.

Savings offers come as a knot of rates, fine print and conditions. We pull each account below apart one fact at a time, using the bank’s own pages, so you get a clear shortlist. The best fit depends on you: how much you start with, how fast you need your money and which conditions you can live with.

Editor: Marvin Smit · Founder & editor · Facts checked Oct 11, 2026

Rates are dated snapshots from official bank pages, not a live feed. This is a short list, not the whole market. WalletNoodle has no affiliate deals and currently earns nothing from these links. How we make money

APY

Annual percentage yield. It is the yearly yield including compound interest, so you can compare accounts fairly.

Variable rates

Savings rates can change at any time. We show the bank’s effective date apart from the day we checked.

“Not confirmed”

We could not read the rate on the bank’s own page. We list it last and never guess a number.

Bask Interest Savings Account

Texas Capital Bank

No monthly fee

Standard APY3.90%No effective date shown

Monthly fee$0Account maintenance fee

Minimum to open$0Opening deposit

No monthly maintenance fee or minimum opening deposit is stated. Transaction service fees may apply. Check the bank's current terms before moving your savings.

What stands out

No monthly maintenance fee
No minimum opening deposit stated

Watch out for

Transaction service fees may apply.

Fees & conditions

Monthly fee: $0
Opening deposit: $0
Direct deposit: Not required
Accounts left unfunded for 15 business days may close.
The promotional boosted rate is excluded.
Bask and Texas Capital Bank deposits share insurance coverage.

Variable standard APY, checked October 11, 2026. Promotional and referral boosts are excluded.

Access to your money

Check the bank's terms for transfer options.

WalletNoodle take

Check transfer costs alongside the rate.

Compare Bask Interest Savings Account

See the details for Bask Interest Savings Account View bank terms for Bask Interest Savings Account (opens in a new tab)

Checked Oct 11, 2026 · Source: Bask standard interest account

Marcus Online Savings Account

Goldman Sachs Bank USA, Salt Lake City Branch

No monthly fee

Standard APY3.50%Bank effective date Oct 11, 2026

Monthly fee$0Account maintenance fee

Minimum to open$0Opening deposit

No monthly maintenance fee or minimum opening deposit is stated. No ATM or debit-card access. Check the bank's current terms before moving your savings.

What stands out

No monthly maintenance fee
No minimum opening deposit stated

Watch out for

No ATM or debit-card access.

Fees & conditions

Monthly fee: $0
Opening deposit: $0
Direct deposit: Not required
Interest compounds daily and is credited monthly.
Same-day transfers have conditions; immediate access is not guaranteed.
Referral boosts are excluded from the rate shown.

Variable standard APY, checked October 11, 2026. Promotional and referral boosts are excluded.

Access to your money

Linked-bank transfers; no ATM or debit card.

WalletNoodle take

Plan around online access, without an ATM card.

Compare Marcus Online Savings Account

See the details for Marcus Online Savings Account View bank terms for Marcus Online Savings Account (opens in a new tab)

Checked Oct 11, 2026 · Source: Marcus account and rate, Marcus account access FAQ, Marcus savings overview

Ally Savings Account

Ally Bank

No monthly fee

Standard APY3.10%Bank effective date Oct 8, 2026

Monthly fee$0Account maintenance fee

Minimum to open$0Opening deposit

No monthly maintenance fee or minimum opening deposit is stated. Repeated excess withdrawals can lead to account closure. Check the bank's current terms before moving your savings.

What stands out

No monthly maintenance fee
No minimum opening deposit stated

Watch out for

Repeated excess withdrawals can lead to account closure.
Other service fees can apply.

Fees & conditions

Monthly fee: $0
Opening deposit: $0
Direct deposit: Not required
Certain withdrawals and transfers are limited to ten per statement cycle.
No qualifying direct deposit is stated for the standard rate; optional boosters are separate.

Variable standard APY, checked October 11, 2026. Promotional and referral boosts are excluded.

Access to your money

Savings buckets can help separate your goals. Check the bank's terms for transfer options.

WalletNoodle take

Separate goals, but mind the transfer limit.

Compare Ally Savings Account

See the details for Ally Savings Account View bank terms for Ally Savings Account (opens in a new tab)

Checked Oct 11, 2026 · Source: Ally account details, Ally savings rates

American Express High Yield Savings

American Express National Bank

No monthly fee

Standard APY3.10%Bank effective date Oct 11, 2026

Monthly fee$0Account maintenance fee

Minimum to open$0Opening deposit

No monthly maintenance fee or minimum opening deposit is stated. No ATM, debit card or check access. Check the bank's current terms before moving your savings.

What stands out

No monthly maintenance fee
No minimum opening deposit stated

Watch out for

No ATM, debit card or check access.

Fees & conditions

Monthly fee: $0
Opening deposit: $0
Direct deposit: Not required
Interest compounds daily and is credited monthly.
Transfers and mobile deposits may have limits and holds.

Variable standard APY, checked October 11, 2026. Promotional and referral boosts are excluded.

Access to your money

Online transfers and eligible mobile check deposits; no ATM card, debit card or checks.

WalletNoodle take

Online saving, without everyday card access.

Compare American Express High Yield Savings

See the details for American Express High Yield Savings View bank terms for American Express High Yield Savings (opens in a new tab)

Checked Oct 11, 2026 · Source: American Express account details

Capital One 360 Performance Savings

Capital One, N.A.

Rate not confirmed

Standard APYNot confirmedNot readable on the bank page

Monthly fee$0Account maintenance fee

Minimum to open$0Opening deposit

No monthly maintenance fee or minimum opening deposit is stated. Current APY is unconfirmed in this comparison. Check the bank's current terms before moving your savings.

What stands out

No monthly maintenance fee
No minimum opening deposit stated

Watch out for

Current APY is unconfirmed in this comparison.
Do not confuse this account with the older 360 Savings account.

Fees & conditions

Monthly fee: $0
Opening deposit: $0
Direct deposit: Not confirmed
Approved accounts need funding within 60 days.
New Capital One and Discover accounts opened on or after May 18, 2025 share insurance coverage.
The rate could not be confirmed from the official page; no estimate is shown.

Rate not confirmed. Check the provider for its current APY.

Access to your money

Online or branch withdrawals; no direct ATM withdrawal from savings.

WalletNoodle take

Check the current rate before comparing returns.

Compare Capital One 360 Performance Savings

See the details for Capital One 360 Performance Savings View bank terms for Capital One 360 Performance Savings (opens in a new tab)

Checked Oct 11, 2026 · Source: Capital One account details, Capital One savings disclosures

A short list, not a full-market comparison or a promise that any account is best for everyone. By default, accounts are sorted by confirmed standard APY; promotional and referral boosts are left out and unconfirmed rates come last. No account pays for its place. Read our comparison method.

Your shortlist, untangled.

Compare the conditions, not just the rate.

Dated snapshot from each bank’s own pages, not a live offer. “Not confirmed” means the rate was unreadable on the bank’s page; it is not zero.
Condition
Standard APY
Rate effective date
Monthly fee
Opening deposit
Direct deposit
Bank
We checked